Superstorm Hurricane Sandy Insurance Claims
Throughout the New York metropolitan area and farther south in New Jersey, Sandy’s hurricane-force winds brought devastation to surrounding cities, causing an estimated $50 billion or more in damage.   While wind damage due to Hurricane-force winds occurred, the most enduring impact was due to the massive flooding throughout the metro area extending to areas that were not prepared for flood-like waters. As a result, many home and business owners were forced to abandon their investments and came back to desolation, and many faced the devastating realization that they did not have flood insurance – their investment gone.
Hurricane Sandy affected a total of twenty-four states., but the two states that were affected the most by this Superstorm were New York and New Jersey.
New Jersey
According to recent estimates, Hurricane Sandy has caused over 29 billion dollars in with wind damage and flood damage in New Jersey. The estimate of the damage caused by the storm includes personal property, business, infrastructure and utility damage, the NJ governor said in a recent statement. Over 340,000 homes in New Jersey were damaged by super-storm Sandy.
The Jersey shore suffered the most wind and flood damage, and the most damage from the storm. Mantoloking, New Jersey was hit hard as well as the communities on Long Beach Island. The damage in Long Beach Island alone was close to 1 billions dollars. Other communities that were highly affected, were Bergen County. The cities of Moonachie, Little Ferry, and Carlstadt were all three devastated by flood waters having five-feet of standing water running through the streets.
New York
Hurricane Sandy hit the cost and caused power outages, structural damage to many of the buildings, and even reeked havoc on the transportation system in New York City. According to the city of New York, close to five-billion dollars worth of damage occurred to the transportation system alone.  The streets of Staten Island were flooded causing much water damage and loss, and many homeowners continue to dig out their homes and face the reality of their ruined homes. In addition to water damage, Breezy Point, NY took an additional hit when a fire began to spread throughout the entire community destroying more than one-hundred homes by fire damage. This doesn’t include the eight-hundred dollars in damage that occurred to the trees in the various parks in New York.
Most homeowners are relying on their insurance companies to provide the funds to make their homes livable again. Because of the devastation many homeowners have been waiting for months on their insurance company and are losing hope and considering their home and investment lost. Some are even stating that dealing with the insurance companies is a comparable devastation.
Although this storm has brought calamity and destruction, the community of New York and New Jersey are working together to help each other get back on their feet.  People are reaching out to one another in this time of great need.
- Published in Hurricane Sandy
All American Public Adjusters
All American Public Adjusters has a team of experts to assist you in ANY of your insurance claim needs.  If you are initiating a new claim, in the middle of a claim, or you are not satisfied with the outcome of your claim, we can help!
What All American Can Do For You
- Assist you with properly reporting your loss to your insurance company
- Prepare and estimate for your insurance carrier and negotiate with your insurance adjuster to get you the maximum settlement
- Handle all the communication necessary to your insurance company and any affiliates, minimizing your stress throughout the process.
- Use our experience and expertise in insurance policy, claims and insurance law to provide clear and understandable resolutions for the homeowner
- Represent you as your personal adjuster. Insurance companies have their own adjusters. You can hire one as well! Best of all, if we don’t get you your insurance money you don’t owe us anything!
Insurance companies will not fully represent your interests. If you submit the claim yourself you can be sure that the interests of the “company†will come first. This is not out of the ordinary, this is just “businessâ€. The less they pay you, the more assets the “company†retains for its stockholders. Be assured that if an offer is made, it will, in most cases, be less than you are rightfully entitled to. Remember, the insurance company’s personnel are paid to protect the interests of the insurance company and not yours.
All American Public Adjusters, Inc are licensed and bonded public adjusters throughout the United States. We can assist an insured with Residential Property Damage, Commercial Property Damage, Automobile Damage, Unpaid Medical Bills. Some types of claims that we handle are water damage, sinkholes, fire damage, hurricane damage, hail damage, wind/windstorm damage, mold damage, vandalism, and much much more. Our company is a member of the Florida Association of Public Insurance Adjusters as well as the National Association of Public Insurance Adjusters.
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All American Public Adjusts has a team of experts to assist you in ANY of your insurance claim needs. If you are initiating a new claim, in the middle of a claim, or you are not satisfied with the outcome of your claim, we can help!
What All American Can Do For You
· Assist you with properly reporting your loss to your insurance company
· Prepare and estimate for your insurance carrier and negotiate with your insurance adjuster to get you the maximum settlement
· Handle all the communication necessary to your insurance company and any affiliates, minimizing your stress throughout the process.
· Use our experience and expertise in insurance policy, claims and insurance law to provide clear and understandable resolutions for the homeowner
· Represent you as your personal adjuster. Insurance companies have their own adjusters. You can hire one as well! Best of all, if we don’t get you your insurance money you don’t owe us anything!
Insurance companies will not fully represent your interests. If you submit the claim yourself you can be sure that the interests of the “company†will come first. This is not out of the ordinary, this is just “businessâ€. The less they pay you, the more assets the “company†retains for its stockholders. Be assured that if an offer is made, it will, in most cases, be less than you are rightfully entitled to. Remember, the insurance company’s personnel are paid to protect the interests of the insurance company and not yours.
All American Public Adjusters, Inc are licensed and bonded public adjusters throughout the United States. We can assist an insured with Residential Property Damage, Commercial Property Damage, Automobile Damage, Unpaid Medical Bills. Some types of claims that we handle are water damage, sinkholes, fire damage, hurricane damage, hail damage, wind/windstorm damage, mold damage, vandalism, and much much more. Our company is a member of the Florida Association of Public Insurance Adjusters as well as the National Association of Public Insurance Adjusters.
- Published in All American Public Adjusters
Understanding Theft Loss and Vandalism Claims in Missouri
Understanding Theft Loss and Vandalism Claims in Missouri
While theft loss and vandalism claims are similar to filing any type of loss that occurs to a property, theft loss and vandalism claims require special attention to detail and expertise. When filing a vandalism claim, the following are some questions your insurance company will ask you:
- Did a theft/vandalism actually occur?
- Did the policyholder actually own or possess the items being claimed stolen, and if so, can proof be provided?
- What is the value of the item or items being claimed?
- Was there any related property damage such as broken windows, doors, locks, or equipment related to the theft or vandalism?
- Have you filed a police report?
- Do you have proper documentation to substantiate your claim?
In order for a vandalism claim to run smoothly, proper documentation is important. For example, if items are stolen from the property, you will need proper documentation to prove that the item was indeed in the property before the vandalism took place.  This documentation could take the form of video, pictures, receipts, credit card statements, appraisals, insurance policy endorsements, etc. Try to provide as much documentation as possible to help prove the claim for theft with your insurance company.Its also a good idea to provide an itemized list of property items, so that there isn’t any discrepancy. Additionally, it will be essential that a police report be filed. This will prove to the insurance company that vandalism did occur at your residence.
[representyouinsurancepolicies]We recently have been helping homeowners and property managers handle vandalism claims in Kansas City, Missouri. For many vandals, copper wireing/plumbing and appliances are a hot commodity.   We have helped property owners re-opened claims and renegotiation claims helping them get all the money the need to repair the property effectively. In addition we have helped homeowners and property owners from start to finish taking over the entire process so that everything is handled efficiently and effectively.
Although theft/vandalism claims are very common, they can be some of the most complicated and time consuming matters to resolve. Let a licensed professional from All American Public Adjusters guide you through the process.
[footer1]- Published in Blog
Water Damage and Insurance Claims in Missouri
There is a lot of confusion when it comes to water damage and home insurance. In the state of Missouri, insurance claims are being denied and many Missouri homeowners are left with mold and water damage. With water damage being one of the most common claims filed, many homeowners have a lot of questions concerning why the insurance company didn’t cover the water damage loss.
What types of water damage does your insurance company cover?
Simply stated, as long as the property damage is not caused by homeowner neglect – not properly maintaining the property – the damage will be covered. The only exception to this rule is flood damage. If you are in a flood prone area, you will need to have a separate insurance or an addition for flood insurance.
Coverages
Pipe Break: Generally speaking, water damage from a burst pipe inside your hom will be covered by your standard homowners’ insurance policy.
In general, water damage from a burst pipe inside your home will be covered by a standard homeowners’ insurance policy. Additionally, if an outside pipe bursts and causes damage, that should be covered as well, however, you will be required to prove that the water damage was from the outside pipe burst. An insurance company may deny the claim if the insurance adjuster determines that the pipe burst was from a maintenance or improper drainage issue.
Keep in mind that most pipes burst because they freeze. Most insurance claims are denied for this very reason. If you left your home unheated during freezing weather, your insurance company could deny your claim on the basis of negligence. Some insurance companies will still pay for the water damage, but not the pipe itself; however, many insurance companies will deny the claim altogether. Prevention and proper maintenance are the key to ensuring that you home will not suffer loss and if it does, your insurance company will cover the loss.
Storm Damage: If water damage is the cause of a storm, your insurance company will cover the damage. It is important to have proper documentation for a proof of loss. The insurance adjuster will always assess the damage to see if in fact the damage was caused by the storm or if it was pre-existing.
After Filing a Claim, Get Experts Involved!
In a water damage claim, time is of the essence! As soon as water damage has occurred, you need to file a claim with your insurance agent. Once the file is claimed, if there is a lot of water involved, you will need to contact a water mitigation company to handle the removal of the water and to dry out the location effectively.
All American Public Adjusters are licensed professionals who can help you with your water damage claim from start to finish. We have a team of professions who have been helping homeowners handle their property claims with an excellent track record. Let us take over your claim so you can have an expert on your side to ensure that your investment is covered!
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- Published in Blog
Snow Storm on East Cost – Watch Out for Leaky Roofs
The weather services are saying that a historic snow storm is threatening the North East Coast potentially dropping two-feet of snow. According to the National Weather Service, Boston may receive 24 inches of snow as the coastline and New York City may get 10 inches of snow. Blizzard-like conditions are expected in Suffolk Country in Long Island.
While the threat for potential damage to occur is much less than the recent super-storm Sandy, large amounts of snow can cause and reveal potential water damage issues. When large amounts of snow sits on a roof, the weight can create potential leaking areas. Additionally, if a home had a pre-existing leaking area, snow fall, when melting, will find any problem areas.
Be on the look out for any signs of leaks. Discoloration on the ceiling and any unexpected water spots around door frames are good indicators that water has found its way into your home. Additionally, it is important to keep in mind that, sometimes water leaks into the attic without you knowing. It is a good idea to take a look in your attic after a large snow fall to see if you have any potential issues. Look for any wet wood or wet insulation.
If water damage occurs, or you have a problem with your leaking roof and compensation from the insurance company, contact your insurance claim professionals at All American Public Adjusters. We have been helping victims of Hurricane Sandy handle their claims since the devastating storm hit the East-coast. We work with insurance companies on a daily basis ensuring that the homeowner is reimbursed fully for any damage that might occur to their home.
Call for a free consultation today! (888) 550-9336
[representyouinsurancepolicies] [footer1]- Published in In the News
Public Adjuster Water Mitigation on Flood Damage Insurance Claims
Water and flood damage mitigation is something that must be addressed immediately. Almost all insurance policies cover the cost of water damage mitigation. In fact, they require the policyholder to take all necessary steps to prevent secondary damages. Preventing mold growth is one of many concerns for those who have suffered from a water damage event, but is not the only concern. Most people have many misconceptions about water damage, and are at risk for secondary damages such as mold growth. There are some important steps to take immediately following a water damage or a flood damage event to help eliminate or to at least minimize secondary damages, as well as precautions that should be taken during flood or water damage mitigation to protect your health and safety.
Water damage mitigation is a specialized field that requires special protective measures, specialized equipment and testing to protect you and your property. Public Adjusters know how to provide mitigation services that protect not only the property, but also your health.
Water damage mitigation can include water extraction, structural drying, cleanup and antimicrobial treatment, just to name a few. If not addressed immediately, water damage can cause many serious problems to the property and lead to serious health risks to its occupants. To restore property and protect health, a professional mitigation contractor must carefully address this issue. He has to be knowledgeable in many disciplines. First and foremost is preventing secondary damages like growth of bacteria and mold, preventing and saving the structure and its contents. Water damaged structures can be the perfect breeding place for mold and other micro-organisms. Wet building materials and indoor humidity are mold’s best friends. Additionally, the water damage specialist must be able to communicate to the water damage victims and insurance company representatives that are handling the insurance claim.
[representyouinsurancepolicies] [footer1]- Published in Public Adjuster
Cold New Jersey Shore still a Mournful Place after Sandy Floods
The Cold New Jersey Shore is still a Mournful Place after Hurricane Sandy Floods
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Although winter on the New Jersey Shore is usually bleak, after Hurricane Sandy, the residents of the New Jersey shore are experiencing a more than bleak winter this year – a winter than many will remember for years to come.
Many residents like Rayn Valli and his father Frank are still cleaning and trying to clean and trying to salvage belongings from their home in New Jersey after Superstorm Sandy. The family’s first floor was under 10 feet of water from Superstorm Sandy’s storm-surge, which destroyed several oceanfront blocks of Union Beach, leveling homes or lifting them off their foundations, breaking them apart and moving them. Devastating water damage to say the least is a common experience amongst New Jersey residents.
One hundred days later, the aftermath of Hurricane Sandy is now all about what comes next. Homeowners in New Jersey are uncertain what NJ will look like in the months or years that are ahead of them. Many are still waiting – some to move back home, others to hear from their insurance company on the next steps. Most are considering one of the biggest decisions they will have to make possibly in their lives: rebuild or walk away.
The Public Adjuster in New Jersey are helping homeowners find a peace of mind in the midst of turmoil. As homeowners look to get back on their feet, many in New Jersey are turning to insurance experts to handle their claim process. While some wait in uncertainty, those who have hired Public Adjusters in New Jersey can rest knowing that their investment is in professional hands.
[footer1]- Published in Blog, Public Adjuster
Homeowners Still Dealing with Sandy Flood Damage in Staten Island
Even though it has been a few months since Hurricane Sandy hit the cost and flooded the streets of Staten Island causing much flood damage and loss, many homeowners continue to dig out their homes and face the reality of their ruined homes.  As homeowners of Staten Island assess the flood damage from Hurricane Sandy, many will be facing the process of filing insurance claims as they try to recover from the devastation.
[header1]Navigating through the flood claims process can be overwhelming especially after experiencing a national disaster. Public Adjusters, experienced, licensed insurance professionals in Staten Island are working on behalf of homeowners to help through the process. Public Adjusters take over the claim process for the homeowner ensuring that the homeowner recovers what was lost during Hurricane Sandy. Additionally, many homeowners have found peace of mind in the midst of calamity as the Public Adjuster deals with the insurance and assists through the sandy insurance claim process.
As homeowners move forward to getting their lives back on track in Staten Island, many are looking to claims experts to handle their Staten Island flood damage claims to ensure that they recover their homes, belongings and most importantly, their lives.
[representyouinsurancepolicies] [footer1]- Published in Blog, In the News
Missouri Fire Insurance Claim. How does it work?
Missouri Fire Insurance:Â How does it work?
The most devastating damage that occurs to homeowners a part from a natural disaster is fire damage.  Due to the nature of fire property damage, in most occurrences, homeowners find their belongings destroyed and their home unlivable. Beyond the damage caused by the fire itself, both the smell of smoke and the soot residue are difficult if not impossible to mitigate.
No one expects this type of devastation to come to their front door, and it is important to know what to expect in the State of Missouri during a fire insurance claim as well as know the options that homeowners have when fire damage occurs.
Missouri Insurance and Fire Damage
All homeowner policies cover loss by fire and most common perils such as windstorm, hail, and vandalism. Most policies pay for three types of damage:Â 1) dwelling loss (damage to the house); 2) personal property loss (damage to your household contents); and 3) additional living expenses (the cost of living elsewhere while your home is being repaired).
The Process
If fire damage occurs, after contacting the fire department, contact your insurance agent immediately to initiate the . Make sure you take notes: Get the name of the person that you talk to, the claim number, and the adjuster’s name, and find out when the adjuster will contact you. If you get a recording, make a note of the day and time that you left a message.
Hire a Professional
A Public Adjuster, as stated by the Missouri Department of Insurance, is“a state-licensed individual who represents homeowners in claims negotiations with their insurance companies.â€Â In other words, a Public Adjuster (PA) is an insurance claims expert who works on behalf of the homeowner to handle the claim process and ensure that the homeowner is reimbursed properly. Fire claims can be stressful and complicated. Public adjusters are trained to prepare dwelling damage repair estimates and to value damaged personal property. They are generally knowledgeable about the coverages provided by a typical insurance policy, although they cannot offer legal advice. Hiring a professional will not cost you any extra! In fact, when you hire a PA, you will receive more money that can be applied to your valuable investment, your home.They generally work on a contingent fee basis, that is, for a percentage of the amount recovered.
Why Hire All American Public Adjusters to Handle your Fire Claim?
At All American Public Adjusters, you are our client and your interests come first. Our expertise in managing claims will free you from the emotional and time consuming struggles with the insurance company. We know what to look for, how to talk the insurance language, and how to get results. Best of all you pay us nothing until your claim is completely settled. Our fees are on a percentage basis from the settlement, not out of your pocket.
We work hard to earn your trust, resolve your claim quickly, and to become a friend you can always count on.
Public Adjusters in Breezy Point Help Homeowners through Devastation after Sandy Fires
While the most common and obvious damage that occurred during Hurricane Sandy is wind and flood damage, many home owners found their homes burned to the ground or damaged immensely by fire and soot after Sandy shook a neighborhood in Breezy Point. A devastating fire on the Rockaway Peninsula engulfed over 100 homes causing overwhelming fire damage and loss. Due to the fire damage and soot, many homeowners were unable to salvage their homes and or belongings.
Most homeowners are relying on their insurance companies to provide the funds to make their homes livable again. Because of the devastation many homeowners have been waiting for months on their insurance company and are losing hope and considering their home and investment lost.
During this time of devastation, many homeowners found the help of local Breezy
Point public adjusters to assist them in handling the claim process. Having a
professional claim consultant who understands the insurance claim process and
various coverages has helped homeowners regain hope in the midst of calamity.
Public adjusters are trained professionals who take the insurance claim process out
of the homeowner’s hands and help expedite the process ensuring homeowners
redeem what was lost.